Wealthica Terms of Service

These Terms of Service (“Terms”) form a legally binding agreement between you and Wealthica Financial Technology Inc. (“Wealthica,” “we,” “us,” or “our”), governing your access to and use of our products and services, including the Wealthica Dashboard, Enterprise Dashboard, Wealthica API, and the https://wealthica.com website (collectively, the “Services”).

By accessing or using any part of the Services—whether via web, API, mobile, embedded portal, or whitelabel interface—you agree to comply with these Terms and all applicable laws. If you do not agree, you may not use the Services.

These Terms of Service are available in French and English. For users located in Québec, the French version was provided for review before acceptance. Those users expressly agree that, to the extent permitted by applicable law, the English version shall prevail in the event of any inconsistency or divergent interpretation.

Definitions

Client: An organization or individual using the Services to manage or access Data, including Enterprise Clients.
Enterprise Client: A Client using the Services for their End-Users.
End-User: An individual whose Data is accessed through a Client’s application.
Data: Financial, Cryptocurrency and non-fungible token (NFT) data, including but not limited to:
- Financial Data: Information retrieved from an Account (which may be owned by a Client, an End‑User, or both) that aggregates brokerage, trading, or bank information. This includes account balances, transaction histories, holdings, trade confirmations, price quotes, and associated metadata such as account numbers, ticker symbols, timestamps, currency codes, and settlement dates.
- Cryptocurrency Data: Information retrieved from an Account that aggregates cryptocurrency wallet or exchange holdings. It covers price information, trading volumes, blockchain transaction details, market capitalization, supply metrics, and any other data relating to digital currencies and tokens.
- NFT Data: Information retrieved from an Account that aggregates NFT wallet or marketplace activity. It comprises ownership and transaction histories, metadata (creator, attributes, linked media such as images, video, or audio), smart‑contract details, marketplace listings (prices, bids), and rarity scores or other characteristic data.
Active Connection: A connected Account that was active during the billing period.
Usage Data: Aggregated, anonymized metrics generated from use of the Services.
Account: Any bank account, investment account, digital wallet, exchange account, custodial account, or other platform that holds, manages, or tracks a Client's Data.
Providers (or Data Sources): Refers to any third-party entities — including financial institutions, custodians, aggregators, exchanges, public blockchain networks, or other platforms — that hold, produce, or make available data related to financial accounts, digital assets, or non-fungible tokens (NFTs). Such entities may act either as Data Sources (originating the data) or Data Providers (facilitating access or aggregation). The Services may connect to or integrate with these Providers to retrieve and display relevant information on your behalf.

1.0 General Clauses

1.1 Privacy and Personal Information

By using the Services, you agree to Wealthica’s Privacy Policy, which is incorporated by reference into these Terms. We may use your data to provide and improve the Services and may generate anonymized, aggregate metrics for internal use. Personal data may be stored or processed in other jurisdictions, subject to applicable laws. We do not sell your personal data.

1.2 Availability, Errors, and Inaccuracies

Wealthica continuously updates the Services—including data aggregation, interface features, and financial calculations—to ensure quality and accuracy. However, we do not guarantee that all information provided is accurate, complete, or current. This includes, but is not limited to:

Account balances, transactions, and investment data
Product descriptions, features, pricing, or availability
API responses and system status

Some data is sourced from Providers outside our control. These sources may restrict or alter access, resulting in partial, outdated, or missing data. Where APIs are unavailable, we may use credential-based access, which is less stable and may require reauthentication (e.g., MFA).

Wealthica disclaims responsibility for data inaccuracies caused by third-party limitations. Your sole remedy for any error or interruption is for us to use reasonable efforts to correct or provide a workaround.

Use of the Services requires compatible devices, a stable internet connection, and valid access credentials. You are responsible for these dependencies.

Always confirm financial information with your original financial institution when accuracy is critical.

1.3 No Financial, Investment, or Tax Advice

The Services are provided for informational purposes only and do not constitute financial, investment, accounting, or tax advice.

Wealthica is not a financial planner, broker, investment advisor, or tax professional. Any data, tools, or insights available through the Services may not suit your individual circumstances and should not be relied upon as a substitute for professional advice.

You are solely responsible for evaluating the information presented and for making your own financial decisions.

1.4 Intellectual Property

All content made available through the Services—including text, code, software, APIs, logos, trademarks, branding, graphics, documentation, and the user interface—is owned by Wealthica or its licensors and is protected by applicable intellectual property laws.

You may use the Services and their content only for personal or authorized business use. No rights are granted except as expressly set out in these Terms.

You agree not to:

Copy, modify, distribute, or create derivative works of the Services;
Reverse engineer or attempt to extract source code from any part of the Services;
Use Wealthica’s branding without permission.

Third-party trademarks or content remain the property of their respective owners and are used under license or applicable law. Nothing in these Terms transfers ownership of intellectual property between the parties.

1.5 Security & Compliance

Wealthica implements technical and organizational measures to protect the confidentiality, integrity, and availability of data processed through the Services. These include encryption in transit and at rest, access controls, authentication safeguards, and secure development practices.

Wealthica’s internal controls align with recognized standards, including ISO/IEC 27001 and the AICPA Trust Services Criteria (SOC 2). We undergo regular third-party audits, including SOC 2 Type II assessments, and perform annual penetration testing to validate the effectiveness of our controls.

We maintain an incident response plan and conduct regular risk assessments and internal reviews.

You are responsible for securing your access to the Services, including:

Using a strong, unique password;
Enabling multi-factor authentication (where available);
Reporting any unauthorized activity promptly;
Connect your Accounts, whenever possible, using API keys that adhere to the least‑privilege principle—prefer read‑only scopes.

Enterprise Client responsibilities are detailed in Section 3.6.

1.6 Links to Other Websites

The Services may include links to third-party websites or services not operated or controlled by Wealthica. These are provided solely for your convenience.

Wealthica does not endorse or assume responsibility for the content, terms, privacy policies, or practices of any third-party sites. Your interactions with such services are at your own risk, and you should review their terms before engaging.

1.7 Website Visitors

Visitors to the Wealthica website may access public content such as product descriptions, blog posts, and other informational content without registration. Your use of the website is subject to these Terms and our Privacy Policy.

You agree not to:

Reproduce or republish content without permission;
Interfere with or degrade the website’s performance;
Transmit spam, malware, or malicious content.

Informational content is for general use and may not always be complete or current. Wealthica may monitor website usage for security and analytics and reserves the right to restrict access for violations of these Terms.

1.8 Payment Processing

Wealthica uses third-party payment processors to handle transactions related to the Services. By submitting payment information, you authorize Wealthica (or its processor) to charge the applicable fees to your chosen payment method.

All fees are in the currency indicated on your invoice and may be subject to taxes. You are responsible for providing accurate, up-to-date billing details.

Use of third-party processors is subject to their own terms and privacy policies. Wealthica is not liable for errors or security breaches caused by these processors.

1.9 Data Aggregation and Access

By using the Services, you authorize Wealthica to access your Accounts through third-party data providers or direct integrations to retrieve account, transaction, investment, and related data on your behalf or on behalf of the Client through which you use the Services.

You acknowledge that:

Wealthica acts as your agent solely to retrieve and display Data.
Some Providers may require reauthentication or limit third-party access.
Data may not reflect real-time balances or transactions due to third-party delays or restrictions.
Access methods may include credential-based techniques ("screen scraping") or APIs, depending on what your institution supports.

You are solely responsible for ensuring that your use of login credentials complies with your financial institution’s terms. Wealthica is not liable for data inconsistencies caused by third-party limitations or disruptions.

Wealthica will attempt to refresh data at least once daily. Manual refresh is available for some accounts. Refresh frequency depends on the institution’s capabilities, authentication requirements, and system availability.

1.10.1 Data Ownership and Processing

You retain ownership of Data retrieved through your use of the Services. By using the Services, you grant Wealthica a limited, royalty-free, worldwide license to process, store, and display your data—including data retrieved from third-party institutions—as needed to operate and improve the Services, consistent with our Privacy Policy.

1.10.2 User Representations

You represent that you have the legal right to submit any data or credentials provided to Wealthica and that doing so does not violate any applicable laws or third-party terms. Wealthica is not obligated to pay fees or observe restrictions associated with such content.

1.10.3 Authorization to Access Third-Party Accounts

By connecting your Accounts to the Services, you expressly authorize Wealthica to act as your agent and attorney-in-fact for the limited purpose of accessing and retrieving Data from Providers on your behalf. This includes using your login credentials to log in, initiate data refreshes, and ensure that the Services remain compatible with your accounts. This authorization continues until you revoke it by disconnecting the relevant account or terminating your use of the Services. You acknowledge that such access may involve the use of credential-based methods or APIs, depending on the institution's technical capabilities.

1.10.4 Disclaimers Regarding Third Parties

Wealthica acts solely as your authorized agent when accessing and retrieving information from Providers. We are not affiliated with, endorsed by, or acting on behalf of these Providers. Wealthica disclaims all responsibility for:

Inaccurate, incomplete, or outdated data received from third-party sources
Account lockouts, login failures, or access disruptions
Any resulting fees, penalties, or issues related to your use of those services through Wealthica

1.10.5 Account and Data Deletion

You may delete your account at any time. Upon deletion, your personal data will be securely removed from Wealthica’s active systems, subject to backup retention and legal obligations. Backup data is excluded from active processing and will be securely deleted within 90 days.

1.11 Acceptable Use of Services

You agree to use the Services in a lawful, secure, and respectful manner. You may not use the Services to:

Violate any applicable laws or third-party rights;
Engage in fraud, phishing, or deceptive practices;
Share, resell, or sublicense access to your account;
Scrape, harvest, or extract data without authorization;
Transmit malware, spam, or malicious code;
Attempt unauthorized access to systems or data;
Infringe on intellectual property or confidentiality rights.

Wealthica reserves the right to monitor usage, restrict access, or suspend accounts for violations or threats to service integrity.

2.0 Wealthica Dashboard End-Users

2.1 Account Registration

To access the Wealthica Dashboard, you must create an account and provide accurate, current information. You are responsible for keeping your login credentials secure and for all activity under your account.

By registering, you confirm that:

You are at least 13 years old;
You have not been previously suspended or removed from the Services;
You are not a competitor of Wealthica and will not use the Services to compete with us;
You have the legal capacity to enter into these Terms and will comply with all applicable laws.

Wealthica may suspend or terminate accounts in case of fraud, abuse, or violations of these Terms.

2.2 Subscriptions and Billing

Certain features of the Wealthica Dashboard are available via a paid subscription. By subscribing, you agree to the following terms:

Subscription Term: Subscriptions are billed in advance (monthly or annually) and renew automatically unless cancelled before the end of the billing cycle.
Billing Information: You must provide accurate, up-to-date billing information. All charges will be in the currency specified at checkout or on your invoice, and may include applicable taxes. Payments are handled by third-party processors (see Section 1.8).
Failed Payments: If a payment fails, an invoice may be issued for manual payment. Access to paid features may be paused until payment is received.
Cancellations and Refunds: You can cancel your subscription at any time to prevent future charges. Refunds are not guaranteed and are issued at Wealthica’s discretion.
Price Changes: Wealthica may adjust fees or modify features with notice. Continued use after notice constitutes acceptance of the new terms.
Promotional Pricing and Renewals: If you subscribe to the Services under a promotional or introductory rate, the subscription will automatically renew at the standard rate applicable at the time of renewal—unless otherwise specified during signup. You are responsible for reviewing the applicable renewal rate as indicated in your account or at the time of the initial promotion. Continued use after renewal constitutes acceptance of the then-current rate.
Fraud and Misuse: We may reject or cancel subscriptions due to suspected fraud, billing errors, or service abuse.

2.3 Free Trial

Wealthica may offer free trials for select subscription features. By enrolling in a trial, you agree to the following:

Eligibility & Duration: Trial terms, including duration and feature access, will be disclosed at sign-up. We may limit availability based on user status or location.
Billing Info: You may need to provide payment information to start the trial. If not cancelled before the trial ends, it will convert into a paid subscription and your payment method will be charged.
Cancellation: You may cancel the trial anytime through your account settings to avoid charges.
Misuse: Wealthica reserves the right to revoke trial access or eligibility in cases of abuse or policy violations.

3.0 Enterprise Clients

This section applies to organizations ("Enterprise Clients") who use the Wealthica API, Enterprise Dashboard, or embed Wealthica services in their applications for end-users.

3.1 License and Use

Enterprise Clients receive a limited, non-transferable license to use the Services for delivering Data to authorized end-users. Users must follow Wealthica’s documentation, rate limits, and authentication methods.

Wealthica will provide reasonable notice of material changes and allow time for Clients to maintain compatibility.

3.2 End-Users

Enterprise Clients must:

Obtain informed consent from end-users before accessing personal Data;
Use end-user data only for intended purposes—not for resale, profiling, or unrelated uses;
Disclosure that Wealthica acts as a sub-processor retrieving data on their behalf.

Client data practices must comply with applicable privacy laws (e.g., Law 25, PIPEDA). Wealthica accesses data solely to provide Services and does not assume direct obligations to end-users.

3.2.2 Support

Wealthica shall not provide support to the Enterprise Client’s End‑Users. If an End‑User raises a question or encounters an issue that the Enterprise Client cannot resolve, the Client may forward the inquiry to Wealthica, which will use commercially reasonable efforts to respond in a timely manner.

3.3 Environments

Wealthica offers two environments:

Sandbox: A non-production environment intended for development and testing. It may access live data but is not subject to uptime guarantees or support SLAs.
Production: The live environment for stable, real-time data aggregation.

Clients are responsible for testing in the Sandbox before transitioning to Production.

3.4 Fees and Billing

Enterprise Clients agree to pay all applicable fees for access to the Services, as communicated during onboarding or via written agreement.

Active Connections: Billing is based on the number of Active Connections per month—i.e., each active Account linked during the billing cycle. A base number of connections may be included in the minimum monthly fee. Additional usage is billed per unit as agreed.
Invoicing and Payment: Invoices are issued monthly in the currency specified on the invoice or in your Custom Agreement, and are payable within 15 days. Payments must be made using an approved method and are subject to Section 1.8 Payment Processing.
Custom Development: Optional development, integration, or data migration services are billed at USD $250/hour unless otherwise agreed.
Price Adjustments: Wealthica may adjust subscription or usage fees from time to time. You will be given at least 30 days’ notice before any new pricing takes effect. Continued use of the Services after that date constitutes acceptance of the new fees. For Enterprise Clients with Custom Agreements, separate terms may apply.

3.5 Data Availability and Transfers

Refresh Schedule: Wealthica attempts to refresh connected Accounts daily, subject to institution and provider availability. Additional refreshes may occur when users log in or reauthenticate via the Client's platform.
Data Ownership and Retention: Enterprise Clients retain ownership of end-user Data accessed through the Services. Wealthica stores and processes this data only to fulfill its service obligations and retains it according to internal policy and applicable laws. Clients may request Data export or deletion at any time.
Termination and Data Transfer: Upon service termination, Wealthica will, on request, export Client data (e.g., user records and account history) at no additional cost. Data will be retained for 30 days for this purpose, after which it will be permanently deleted—unless otherwise required by law or internal backups.

3.6 Security and Compliance

3.6.1 Client Responsibilities

Enterprise Clients must implement safeguards to protect end-user data, including:

Secure, encrypted communication with the Services;
Protection of access tokens, credentials, and data in transit and at rest;
Limiting data access to authorized personnel only;
Ensuring secure development, testing, and deployment practices.

Clients are responsible for securing their own systems and integrations and must prevent vulnerabilities that could affect end-users or Wealthica.

3.6.2 Incident Reporting

In the event of a suspected or confirmed incident (e.g., breach, unauthorized access), Clients must:

Notify Wealthica within 24 hours;
Share a summary of the incident and initial response actions;
Cooperate with Wealthica during investigation and remediation.

3.6.3 Legal and Regulatory Compliance

Both parties agree to comply with applicable privacy and data protection laws, including:

Quebec’s Law 25;
PIPEDA;
Cross-border data transfer obligations.

Clients must ensure that any subcontractors or partners handling personal data uphold equivalent privacy and security standards.

3.6.4 Wealthica Security Practices

Wealthica implements a comprehensive information security program to safeguard the confidentiality, integrity, and availability of data processed through the Services.

Our controls are aligned with internationally recognized standards, including:

ISO/IEC 27001 (Information Security Management Systems); and
AICPA Trust Services Criteria (TSC) used for SOC 2 Type II compliance.

To validate our controls, we perform:

Annual SOC 2 Type II assessments by independent auditors. The report is accessible to Enterprise Clients.
Annual penetration testing by certified third-party firms.

Wealthica also applies:

Secure software development and regular code reviews;
Role-based access control (RBAC), encryption, and security monitoring;
A documented incident response process and regular risk assessments.

All staff are trained on data protection practices, and we continuously update our controls to address emerging threats and evolving regulatory requirements.

3.7 Confidentiality and Usage Data

3.7.1 Confidential Information

Each party agrees to protect any non-public, confidential, or proprietary information received from the other in connection with the Services, including technical documentation, financial terms, and system details.

Disclosure is permitted only:

As required by law, regulation, or court order;
To external auditors, legal counsel, or advisors bound by confidentiality;
To subcontractors or service providers with equivalent confidentiality obligations.

3.7.2 End-User Data Restrictions

Enterprise Clients may only use end-user data to deliver services to those users. Data must not be resold, shared without authorization, or used for unrelated commercial purposes.

3.7.3 Anonymized and Aggregated Metrics

Wealthica may use anonymized, aggregate, or statistical data derived from the Services usage (“Usage Data”) for internal purposes such as service improvement and performance monitoring. This data will never contain identifiable personal information.

3.7.4 Non-Solicitation

Wealthica will not directly solicit the end-users of an Enterprise Client for its own services, unless the user independently engages with Wealthica outside the scope of the Client's platform.

3.8 Termination and Service Suspension

3.8.1 Termination by Either Party

Either party may terminate access to the Services with written notice. Termination may occur for any reason, including strategic, operational, or contractual considerations.

3.8.2 Effect of Termination

Upon termination:

The Client’s license to use the Services is revoked;
Data aggregation and refreshes cease;
Outstanding fees remain payable;
Data transfer and deletion will follow the process outlined in Section 3.5.

3.8.3 Suspension for Breach or Risk

Wealthica may suspend access without notice if:

There’s a suspected or confirmed violation of these Terms;
The Client causes a security or operational risk;
Payment is overdue;
API usage exceeds limits or disrupts service.

Wealthica will provide a reason for suspension and, where appropriate, an opportunity to resolve the issue before enforcing permanent termination.

3.9 Limitation of Liability

To the maximum extent permitted by law, Wealthica is not liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

Lost profits or revenue
Data loss or corruption
Business interruption or reputational harm
Costs of substitute services or system failures

This limitation applies regardless of legal theory and even if Wealthica was advised of the possibility of such damages.

3.9.1 Liability Cap

Wealthica’s total cumulative liability is limited to the fees paid by the Client in the twelve (12) months preceding the event giving rise to the claim.

3.9.2 Exclusions

These limitations do not apply to:

The Client’s obligation to pay fees;
Either party’s breach of confidentiality;
Wealthica’s gross negligence, willful misconduct, or fraud.

3.10 General Provisions for Enterprise Clients

3.10.1 Independent Contractors

These Terms do not create a partnership, agency, joint venture, or employment relationship. Each party acts as an independent contractor and is responsible for its own obligations, taxes, and compliance.

3.10.2 Assignment

Enterprise Clients may not assign or transfer their rights or obligations without Wealthica’s prior written consent. Wealthica may assign these Terms in connection with a merger, acquisition, or sale of assets.

3.10.3 Entire Agreement

These Terms, along with any referenced policies (e.g., Privacy Policy, onboarding documents), represent the entire agreement and supersede prior communications or agreements.

3.10.4 Priority of Terms

If there is a conflict between these Terms and onboarding documents, these Terms take precedence unless otherwise agreed in writing by both parties.

3.10.5 Custom Agreements

Clients may enter into separate written agreements with Wealthica (e.g., partnership, security, or data terms). If a conflict arises, the signed Custom Agreement will prevail for its applicable scope.

3.11 Service-Level Agreement (SLA)

3.11.1 Maintenance

Wealthica will perform regular maintenance on all Services and will use commercially reasonable efforts to improve and update them in accordance with its standard maintenance practices.

3.11.2 Service Availability

Wealthica shall use commercially reasonable efforts to maintain the availability of the Services on a 24/7/365 basis, excluding periods of routine maintenance or events outside its reasonable control.

3.11.3 Provider Reliance

Certain features of the Services rely on Providers. If a Provider’s system becomes unresponsive or unavailable, Wealthica will use commercially reasonable efforts to restore connectivity but does not guarantee the availability or performance of any Provider.

Because Provider systems may change, Wealthica may need to update its Services to re-establish connections or continue retrieving data. Wealthica will use commercially reasonable efforts to implement such updates, but makes no commitment regarding any specific timeframe for restoring connectivity with a given Provider.

3.11.4 Response Times

Wealthica will prioritize issue resolution based on the applicable severity level. If an issue originates from a Provider and lies outside Wealthica’s control, Wealthica will nonetheless use commercially reasonable efforts to address it; however, no guarantee or warranty is made regarding response times, mitigation, or resolution.

3.11.5 Monitoring

Beyond responding to issue reports from the Enterprise Client, Wealthica will proactively monitor the Services to identify any material defects. When a defect is detected, Wealthica will use commercially reasonable efforts to promptly restore the Services to normal operating conditions.

4.0 End-Users of Enterprise Clients

This section applies to individuals (“End-Users”) whose Data is accessed or processed through a Wealthica Enterprise Client’s application.

Your Relationship: Your agreement is primarily with the Enterprise Client that provides the platform or service you are using. Wealthica acts solely as a technology provider and data processor on behalf of that Client.
Consent & Control: The Client is responsible for obtaining your consent, explaining data usage, and responding to requests related to access, correction, or deletion of your data.
Data Handling: Wealthica only processes your Data as authorized by the Client and in accordance with its agreements and security policies.
Access Suspension: Wealthica may suspend your access if your actions create a security risk, violate the law, or interfere with platform operations.
Further References: For details, refer to:
- Authorization and access – Section 3.2
- Data refresh and retention – Section 3.5
- Security and compliance – Section 3.6
- Confidentiality – Section 3.7
- Data deletion – Section 3.5

You acknowledge that your use of the Services is through a platform operated by an Enterprise Client, with whom you have a direct relationship. Wealthica does not provide services to you directly and is not responsible for your user experience, which is governed by the Client’s own terms and policies.

5.0 Legal Governance and Dispute Resolution

This section applies to all users and governs how disputes are resolved.

5.1 Governing Law and Jurisdiction

These Terms are governed by the laws of the Province of Quebec and the federal laws of Canada applicable therein. Any disputes must be resolved in accordance with these laws, regardless of your location.

5.2 Dispute Resolution and Arbitration

Before pursuing formal proceedings, both parties agree to attempt good faith resolution.

If unresolved after 30 days, any dispute shall be submitted to binding arbitration under the ADRIC Rules (ADR Institute of Canada), seated in Montreal, Quebec, and conducted in English or French. The arbitrator’s decision will be final and enforceable in any court of competent jurisdiction.

Either party may seek interim injunctive or equitable relief in court if necessary.

The parties shall equally share the costs of arbitration, unless otherwise ordered by the arbitrator.

5.3 Class Action Waiver

To the fullest extent permitted by law, you agree to resolve disputes individually and waive any right to participate in class actions or representative proceedings.

5.4 Indemnification

You agree to indemnify, defend, and hold harmless Wealthica Financial Technology Inc., its affiliates, directors, officers, employees, contractors, licensors, agents, and service providers from and against any claims, liabilities, losses, damages, costs, and expenses (including reasonable legal and accounting fees) arising out of or related to:

Your use or misuse of the Services;
Your violation of these Terms or any applicable law or regulation;
Any content or data you submit through the Services;
Unauthorized access to Providers or services using Wealthica’s platform;
Any claim by a third party that your use of the Services infringes or violates their rights.

This obligation applies whether you are an individual user or an Enterprise Client. However, you are not required to indemnify Wealthica for claims arising from Wealthica’s own gross negligence, willful misconduct, or material breach of these Terms. Wealthica reserves the right to assume exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate in asserting any available defenses.

5.5 Disclaimer and Non-Waiver

Any failure by Wealthica to enforce a right or provision of these Terms shall not be deemed a waiver of that right or provision. Wealthica may choose to enforce its rights at any time, and any delay or omission shall not affect its ability to do so in the future.

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect.

Wealthica shall not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including but not limited to acts of God, natural disasters, telecommunications outages, power failures, labor disputes, civil unrest, or governmental actions.

5.6 Disclaimer of Warranties

The Services are provided “as is” and, for users of the free tier or sandbox environment, also “as available,” without warranties of any kind, either express or implied. To the fullest extent permitted by law, Wealthica and its suppliers disclaim all warranties, including but not limited to:

Implied warranties of merchantability, fitness for a particular purpose, and non-infringement;
Any warranties that the Services will be secure, error-free, or uninterrupted;
The accuracy, completeness, or suitability of data retrieved from third-party sources.

You acknowledge that Data presented through the Services may not reflect real-time values and should not be relied upon for legal, tax, or financial decision-making without verification from your original data source.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of implied warranties. In such cases, these limitations may not apply to you.

5.7 Limitation of Liability

To the fullest extent permitted by law, Wealthica and its affiliates, officers, directors, employees, agents, partners, suppliers, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the Services. This includes, without limitation:

Loss of profits or revenue
Business interruption or loss of opportunity
Data loss or corruption
System failures or downtime
Reputational harm

This limitation applies whether the claim is based in contract, tort (including negligence), strict liability, or otherwise—even if Wealthica was advised of the possibility of such damages.

If you use the Services under a free plan or in the sandbox environment, you agree that Wealthica assumes no financial liability to you.
If you are a paying subscriber or Enterprise Client, Wealthica’s total cumulative liability for any claim shall not exceed the total amount you paid to Wealthica in the twelve (12) months prior to the event giving rise to the claim.

Some jurisdictions do not allow certain liability exclusions, in which case Wealthica’s liability will be limited to the maximum extent permitted by applicable law.

5.8 Exclusions

The limitations and disclaimers in these Terms are intended to apply to the fullest extent permitted by law. If certain jurisdictions prohibit the exclusion of implied warranties or the limitation of liability for consequential or incidental damages, those limitations may not apply to you — but only to the extent required by applicable law.

Wealthica does not accept any liability, provide refunds, or assume responsibility beyond what is strictly required by law.

5.9 Changes to Terms

Wealthica may update or modify these Terms from time to time to reflect changes in our services, legal requirements, or business practices. We will indicate the date of the latest revision at the top of the document.

5.9.1 Notification of Changes

For material changes, we will make reasonable efforts to notify users—such as through email, in-app messages, or a notice on our website—before the changes take effect.

5.9.2 Continued Use

By continuing to use the Services after any update becomes effective, you agree to be bound by the revised Terms. If you do not agree, you must stop using the Services.

Enterprise Clients may raise material concerns through their designated account or legal contact.

5.10 Contact Information

If you have any questions about these Terms, or need to contact Wealthica for legal, compliance, or support-related matters, please reach out to:

Email: hello@wealthica.com
Wealthica Financial Technology Inc.
1100 Boulevard René-Lévesque O, 25th Floor
Montréal, QC, Canada H3B 5C9

Wealthica will make reasonable efforts to respond in a timely manner.

Terms of Service